Private & Commercial Lending Services

Not every project fits inside a traditional bank’s approval box.

Nonprofits. Churches. Mixed-use developments. Unique commercial ventures. Value-add investment properties.

When conventional lenders hesitate, opportunities don’t disappear — they require a different path.

At East Bay Realty and Lending, we provide access to private lending and commercial loan solutions in Alameda, CA and throughout the East Bay, connecting organizations and investors with capital sources designed for flexibility.

Who We Help

Nonprofits & Religious Organizations

• Church property financing
• Faith-based organization expansion loans
• Facility acquisition or renovation funding
• Operational support financing

Commercial Real Estate Investors

• Commercial acquisition loans
• Bridge loans for time-sensitive purchases
• Value-add property financing
• Mixed-use and multi-unit funding

Unique or Non-Traditional Projects

• Projects outside conventional underwriting criteria
• Asset-based lending scenarios
• Creative deal structures requiring private capital

If your project doesn’t align with strict bank formulas, we help you explore alternatives.

Our Lending Approach

1. Project Assessment

We evaluate your organization’s needs, property type, financial position, and funding goals.

2. Strategic Lender Matching

Through a network of private lenders and financial institutions serving Alameda and the greater East Bay, we identify funding sources aligned with your project profile.

3. Flexible Structuring

Loan terms are structured based on:

• Loan size
• Risk profile
• Property type
• Project timeline

Costs are determined by the size and structure of the loan, allowing for scalable solutions.

Why Private Lending Can Be a Smart Strategy

Traditional lenders often rely on rigid underwriting standards. Private and alternative lenders may consider:

• Asset value over strict income ratios
• Project viability
• Community impact
• Equity position
• Exit strategy strength

For many commercial borrowers in Alameda, this flexibility can mean the difference between stalled plans and forward momentum.

Lending Services Across Alameda & the East Bay

We assist borrowers throughout:

• Alameda, CA
• Oakland
• Berkeley
• San Leandro
• Greater Alameda County
• Surrounding East Bay communities

Understanding local real estate values and commercial market dynamics helps us position your loan request more effectively.

Frequently Asked Questions About Commercial & Private Lending

What types of loans do you help secure?
We assist with commercial real estate loans, private money loans, bridge loans, nonprofit financing, and funding for unique property projects in Alameda and the East Bay.

Do you work with churches and nonprofits?
Yes. We specialize in connecting faith-based organizations and nonprofits with lenders experienced in mission-driven or community-based financing.

Is private lending more expensive than traditional financing?
Private loans may carry different terms than conventional bank loans, but they offer flexibility that can make projects possible when banks decline them.

Can you help if a traditional lender has already denied my application?
Yes. Many private lenders evaluate projects differently, focusing on asset strength and overall feasibility rather than rigid underwriting formulas.

How is the cost determined?
Loan costs are based on the size, structure, and complexity of the financing arrangement.

Ready to Explore Your Funding Options?

If your commercial project, nonprofit initiative, or investment property in Alameda requires financing, let’s explore solutions that align with your goals.

Contact East Bay Realty and Lending today for a free consultation and discover flexible lending strategies built around your project — not a bank’s limitations.